How much amount do I need to show in my blocked account for studying in Germany?
You need a minimum of EUR 11,904 in your German blocked account for a standard 12-month stay. This translates to EUR 992 per month released for living expenses. For Indian students, this is approximately Rs. 11 to 13 lakhs depending on the exchange rate at the time of your transfer.
The blocked account (Sperrkonto) requirement is one of the most important financial milestones in your German student visa process. The German government sets this amount based on the BAfoG student support rate, and it is updated periodically to reflect current living costs. As of 2026, the required amount ensures you have sufficient funds to cover your basic living costs for a full academic year in Germany.
Germany Blocked Account Requirements 2026
| Requirement | Amount | Details |
|---|---|---|
| Total mandatory deposit | EUR 11,904 | Required for a standard 12-month study period; based on the BAfoG rate of EUR 992 per month |
| Monthly release amount | EUR 992 per month | Automatically transferred to your German current account each month after you arrive |
| Recommended additional buffer | EUR 100 to EUR 200 | Covers international transfer fees and provider setup charges; unused amount is refunded |
| Approximate INR equivalent | Rs. 11 to 13 lakhs | Varies based on EUR/INR exchange rate at the time of transfer; check live rates before sending |
Approved Blocked Account Providers and Costs
| Provider | Opening Fee | Monthly Fee | Best For |
|---|---|---|---|
| Expatrio | Approximately EUR 79 to EUR 89 | EUR 4.90 | Speed and bundled health insurance options |
| Fintiba | Approximately EUR 79 | EUR 4.90 | User-friendly app and recognised by all German consulates |
| Coracle | Approximately EUR 69 | EUR 4.90 | Competitive opening cost and straightforward digital process |
| Deutsche Bank | Varies by branch | Nil | Paper-based process; preferred by applicants wanting a traditional banking relationship |
My Advice
Transfer your funds at least 4 to 6 weeks before your visa appointment to give the international transfer enough time to clear and for your provider to issue the blocking confirmation document. Keep an additional emergency buffer of EUR 200 to EUR 300 beyond the mandatory EUR 11,904 to handle any shortfalls from transfer fees. For most Indian students, Expatrio or Fintiba offer the fastest and most reliable route to getting your account set up and your visa documentation ready in time.
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